Each state has the option of not allowing  President Obama's fix to the Affordable Care Act to allow people to keep their current policies.

The President's plan would allow peple with health insurance plans  on October 1st of this year that were subsequently canceled to contiue them for one year.

Oregon's Insruance Commissioner Laura Cali weighed the pros and cons.

"I think there are a lot of considerations -- things we need to be aware of -- like the rates people will pay not just in 2014 and what this means in terms of  access of coverage for people so."

The President's proposal would allow Americans in the individual market to keep their existing health coverage through 2014 without penalities -- even though it doesn't meet the new Obamacare standards.